Ziina allows you to send and receive payments with just a phone number —no IBAN or swift code is required. To easily send payments to your contacts, you can follow the steps below:

1. Tap "Pay" from the Ziina home screen;

2. Select the contact you want to send the payment to;

3. Enter the amount - you can also add a note, an image or a nice GIF;

4 Select ”Pay With" and choose your payment method;

5. Review the information and press “Confirm & Pay.”